Build a Card Spending Plan in 30 Minutes
List your monthly spending by category, list your cards' earn rates, and assign each category to a card. A worked example and template included.
Which card to use for every purchase, worked out
Map your real monthly spending to the cards you hold or are considering, and see what each card actually returns, category by category.
List your monthly spending by category, list your cards' earn rates, and assign each category to a card. A worked example and template included.
What counts as dining for card rewards, from delivery apps to cafes inside other stores, and how much the dining category is worth on your real spend.
Find the break-even between one simple flat-rate card and juggling bonus categories, using your own spending rather than a rule of thumb.
Pay-at-the-pump versus inside the store, warehouse-club gas and EV charging networks: why fuel purchases don't always earn the gas bonus.
Every purchase carries a merchant category code that decides which bonus it earns. How codes work, why purchases miss the bonus, and how to check first.
Find the point where another card stops adding enough value, worked from your own spending plan. Most households need fewer cards than they think.
Compare a payment's processing fee with what the card earns, including the welcome-bonus case, with one fixed rule: never carry a balance.
Activation, quarterly caps and changing categories: what a rotating 5% card really earns at your spending level, and when it isn't worth the effort.
When you book travel, the card with the best earn rate may not be the one with the best protection. How to weigh trip delay, rental and baggage cover.
Compare grocery earn rates against your actual grocery spend, annual caps included, and check which stores count as groceries before you rely on the bonus.